How to Settle Debt for Half of What You Owe, and Do it in 30 Days

What do you do when you are trying to refinance your mortgage to consolidate your debts but there isn’t enough money to pay all those bills in full?

Use the proceeds of the mortgage financing to settle all the debts owed for less.

This solution is ethical, legal and can completely resolve $78,000 of credit card debt for less then $28,000.

Do not let anyone tell you it cannot be done. We do it for our clients every day, and all these folks were staring bankruptcy in the face only 4 weeks prior to having their debts all settled for less.

Total Debt Freedom has had somewhat of a love affair with settling debt using mortgage refinancing. We are considered top in our field in Canada. To date we have helped mortgage brokers and homeowners alike salvage millions of dollars in mortgages that would have never been approved without our help.

For people who have plenty of equity in their homes and can pay their bills off in full, debt settlement isn’t your solution. Get your mortgage closed and pay your creditors in full otherwise you could end up with bigger problems then you bargained for.

Debt settlement and mortgage refinancing works best in situations where you have bad credit but still need to avoid bankruptcy, something like this: lets say you owe $50,000 in credit card debt and your mortgage agent can only get you approved for a $25,000 2nd mortgage to pay off that debt. You would normally have a serious problem, but not with a debt settlement solution.

Total Debt Freedom has resolved problems like these thousands of times by negotiating a huge reduction in the debt. If you can get about half of what you owe out of your home equity, we can usually settle all your debts and that includes the fee for the work.

If you are being harassed by bill collectors then consider how debt settlement and a mortgage can solve your problems.

If you feel it’s time to do something about your debt, and want a free debt settlement consultation then please visit our home page and request a no obligation quote.

We were sceptical at first, but Total Debt Freedom soon delivered as promised. Four out of five debts are now gone and we feel like we have been making real progress to our debt freedom date and given some real solid advice.

Al & JulieLondon, ON

After being absent for years, a smile has finally returned to our faces. Thank-you, you are so wonderful. We are so pleased that we are debt free and can resume our life again.

Jennifer & SeanOttawa, ON

Thanks for your hard work, it only took me 4 weeks to be debt free and the results were incredible. The creditors stopped calling almost immediately and I saved over $54,000. I sleep much better at night now.

DougToronto, On

It feels great knowing that I can finally go to the mailbox and actually enjoy picking up the mail not having to worry about threatening letters. I can even start answering my phone again knowing it won’t be someone on the other end asking me for money. I will always recommend TDF to anyone who is going through financial struggles.

Total Debt Freedom was founded in 2004 and is fully licensed and bonded. We are a next-generation debt relief company, with the goal of being recognized in Canada as a top provider of consumer credit card debt relief.

Individual results will vary. Total Debt Freedom Inc. does not assume or pay any debt, nor does it provide legal advice or offer credit repair. If you need legal advice, you must consult with a licensed attorney. Individual results are highly dependant on successful completion of program and your ability to save funds. Settlement estimates of 40 - 60% are examples of past performance and are not intended to be a guarantee of future settlement results. Results will vary based on individual circumstances. Please read and understand all contract terms prior to enrolment.